The rules of using this site, written to be read rather than skipped.
Last updated August 2026
By using clearpath.click and the tools on it, you agree to these terms. If you do not agree with them, please do not use the site.
Clearpath provides educational information and planning tools for personal finance.
Nothing here is financial, legal, tax, or investment advice. The calculator is a planning aid that projects outcomes from figures you supply. It is not a recommendation about what you should do, and it does not account for your full circumstances.
You remain responsible for your own financial decisions, including any made after reading something here or using a tool on this site.
Circumstances differ enormously. Information that is accurate and sensible for one person can be wrong for another. Consider your own position, and speak to a qualified professional where the decision is significant.
The debt calculator processes your figures inside your browser. Those numbers are not transmitted to us or stored on our systems. See the privacy policy for the full detail.
The written content, design, and tools on this site belong to Clearpath unless stated otherwise.
You are welcome to link to anything here, quote briefly with attribution, and share pages. You may not republish articles in whole or in substantial part, or present this content as your own, without written permission.
We sometimes link to external resources because they are useful. We do not control those sites and we are not responsible for their content, accuracy, or how they handle your data.
This site displays advertising through Google AdSense. Those advertisements are served by Google and governed by Google's policies.
We do not select individual advertisements and are not responsible for their content or for anything an advertiser offers.
To the fullest extent permitted by law, Clearpath is not liable for any direct, indirect, incidental, or consequential loss arising from your use of this site, its content, or its tools.
That includes loss arising from relying on information published here, or from decisions made using the calculator. The projections it produces are estimates based on assumptions that may not hold.
We aim to keep the site running and accurate, but we do not guarantee uninterrupted availability or that everything will be free of errors at all times.
These terms may be updated. Continuing to use the site after a change means you accept the revised version. The date at the top reflects the most recent update.
Questions go to hello@clearpath.click.